VISA Gold

Features and Fees

Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.

With it you have a higher transaction and credit limits and additional benefits.

Preferences 444.2 KB

As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.

Minimum net monthly income

1000 BGN

Credit limit

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From 5000 BGN up to 60,000 BGN

Currency

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BGN, EUR

Time limit for issuing

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5 working days for standard

within 48 hours for express orders

Credit limit validity

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2 years

Interest rate

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1.30 % per month will be charged on the used and not paid part of the credit limit

Card validity

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4 years

Annual fee

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No annual fee for the first year. Then reduced to 50 BGN

Annual expense ratio

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Example: 16.76 % with a repayment term of 12 months, an annual fee of 0.00 BGN for the first 2 years, utilized credit limit of 5000 BGN, a monthly payment of 3 % of the amount of disbursed limit and monthly interest rate 1.30 %

Minimum repayment amount

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3% of the approved credit limit

Grace period

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Up to 45 days for purchases at POS terminal

Due date

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From 1st to 15th of the month

Coverage

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International

Discounts and boutique offers

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Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe
Special premium offers from Visa for your private and business trips

Additional card

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Yes, according to the tariff

Functionality

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Chip and magnetic stripe

Preferential and special programmes

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Free Insurance
Automatic and free of charge activated service Secure payments on the Internet
Programme PLUS

Card service

Liabilities repayment

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Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
Installments at ATM - with cash deposit to a credit card account
At cashier in the bank branch to a credit card account

24/7 customer service center

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In emergency situations or when you need to check your card balance

Statements and notifications

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Free of charge monthly statement of account via e-mail
Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Terms and fees for issuance and service

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General terms and conditions for bank cards and for providing payment services 309.9 KB

View the full Tariff, as well as the General terms and conditions

Issuance and service
Parameters	Value
Issuing	Free of charge
Express issuing/re-issuing	50 EUR
Re-issuing after on the expiry date	Free of charge
Re-issuing before the expiry date	10 EUR
Annual service fee of a main card	50 EUR
Annual service fee of the additional card	35 EUR
Change of the card parameters	5 EUR
Additional card	Yes
Benefits and package programmes	Programme PLUS Exclusive offers by Visa Free of charge insurance Free of charge Virtual PIN

Transaction fees and limits

Transaction fees
Parameters	Value
Payment in merchant outlets in the Internet, in Bulgaria	No fee
Payment of goods and services in the Internet, abroad	0.50 BGN
Withdrawing cash from ATM:
of the bank	1,50% + 1.50 EUR
of another bank in Bulgaria	2,50% + 4 EUR
abroad	3% + 4 EUR
Balance inquiry at ATM in Bulgaria	1 BGN
Transactions in the systems ePay.bg/B-pay	0.20 BGN
Cash withdrawal at POS terminal:
in branch of the bank	1% + 3 EUR
of another bank in Bulgaria	2,50% + 3.50 EUR
abroad	3% + 4 EUR

Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.

Transaction limits
Parameters	Value
Payment at POS terminal at a commercial outlets	15 000 BGN for 1 transaction 20 000 BGN for 24 hours 50 000 BGN for 7 days
Cash withdrawals from ATM and from POS at bank branch in Bulgaria	6 000 BGN for 1 transaction 8 000 BGN for 24 hours 20 000 BGN for 7 days
Cash withdrawals from ATM and from POS at bank branch abroad	2 000 BGN for 1 transaction 4 000 BGN for 24 hours 12 000 BGN for 7 days
Total number of payments within a period	40 for 24 hours 120 for 7 days

Card activation

The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.

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*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!

Application of the Card

Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
Booking and rental services - cars or airline tickets and hotels
Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
Collection points and payments with points at merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch

Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
Payment of bills and services from an ATM in Bulgaria through the B-Pay system
Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria
In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.

How to Apply

Required documents and terms

Minimum net monthly income BGN 1,000
Client’s ID card
Income other than employment relationship or without income transfer to bank account evidence
Foreigners should a resident permit for Bulgaria
Application form for credit card when visiting UniCredit Bulbank branches

Apply for your Visa Gold

Online

Fill in the online form and our consultant will contact you.

Apply

In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

Digitize your card now!

Forget about your overfilled pockets and bags!

It's easy to pay with your phone by adding your card to Apple Wallet or Digital Wallet for Android.

LEARN MORE

Security tips

Take care of your financial security by following a few simple rules when using your card.

On Internet payments

On payments at POS terminals

On cash withdrawals at ATMs

When travelling

Additional Card Services

Secure Payments on the Internet

Secure payments on the Internet by Virtual PIN. Confirmation of payments at merchants participating in the MasterCard SecureCode and Verified by Visa.